Fidelity National Financial (FNF) AI Stock Analysis

• Market Cap: $15.87B
• Dividend Yield: 3.43%
• Average Volume (3M): 1.09M
• Price to Earnings (P/E): 13.6
• Beta (1Y): 0.62
• Revenue Growth: 3.91%
• EPS Growth: 55.78%
• Country: US
• Employees: 23,533
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 1.63
• Shares Outstanding: 271,122,560
• 10 Day Avg. Volume: 963,963
• 30 Day Avg. Volume: 1,088,081
• PEG Ratio: 0.08
• Price to Book (P/B): 1.96
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 2.28
• Enterprise Value/Market Cap: 1.39
• Enterprise Value/Revenue: 1.61
• Enterprise Value/Gross Profit: 3.02
• Enterprise Value/Ebitda: 8.36
• 1Y Price Target: $68.00
• Price Target Upside: 16.86% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 5.19
• Revenue Forecast (FY): $14.20B

• Rating: 74 Outperform
• Price Target: $66.00 ▲(13.42% Upside)

Fidelity National Financial's strong earnings call performance and solid financial health are the most significant factors driving the score. The positive technical indicators and reasonable valuation further support the stock's attractiveness. However, attention is needed on cash flow growth and operational efficiency.

Positive Factors

Strong Revenue Growth

The consistent revenue growth indicates a robust market position and effective business strategies, supporting long-term financial stability.

AI and Technology Integration

Successful integration of AI and technology enhances operational efficiency and customer experience, providing a competitive edge.

Growth in Refinance Orders

The increase in refinance orders reflects adaptability to market conditions, contributing to revenue stability and growth.

Negative Factors

Decline in Free Cash Flow Growth

A decline in free cash flow growth can limit investment opportunities and affect liquidity, posing risks to financial flexibility.

Pressure on Operational Margins

Pressure on operational margins could impact profitability, necessitating cost management and efficiency improvements.

Decline in Purchase Orders

A decline in purchase orders may indicate market challenges, potentially affecting future revenue and growth prospects.

Fidelity National Financial Business Overview & Revenue Model

Company Description

Fidelity National Financial, Inc., together with its subsidiaries, provides various insurance products in the United States. The company operates through Title, F&G, and Corporate and Other segments. It offers title insurance, escrow, and other title related services, including trust activities, trustee sales guarantees, recordings and reconveyances, and home warranty insurance. The company also provides technology and transaction services to the real estate and mortgage industries; and mortgage transaction services, including title-related services and facilitation of production and management of mortgage loans. In addition, it offers annuity and life insurance products, such as deferred annuities that include fixed indexed, fixed rate, and immediate annuities, as well as indexed universal life insurance products. Further, the company engages in the real estate brokerage business. Fidelity National Financial, Inc. was founded in 1847 and is headquartered in Jacksonville, Florida.

How the Company Makes Money

Fidelity National Financial generates revenue primarily through the sale of title insurance policies and related services. The company earns title insurance premiums when customers purchase policies to protect against potential claims on property titles. Additionally, FNF generates income from escrow and closing services during real estate transactions. The company also benefits from ancillary services, such as technology solutions for real estate transactions and risk management services. Key revenue streams include residential and commercial title insurance, which are influenced by the volume of real estate transactions in the market. Furthermore, FNF has established partnerships with real estate agents, mortgage brokers, and lenders, which enhance its distribution network and contribute to its earnings. Economic factors such as interest rates, housing market trends, and regulatory changes also impact the company's revenue potential.

Fidelity National Financial Financial Statement Overview

Summary

Fidelity National Financial demonstrates a solid financial position with consistent revenue growth and profitability. The company maintains a healthy balance sheet with manageable leverage and strong return on equity. However, the decline in free cash flow growth and slight pressure on operational margins highlight areas for improvement.

Income Statement

Fidelity National Financial shows a solid income statement performance with a consistent revenue growth rate of 3.13% TTM, indicating a positive trajectory. The gross profit margin is stable at 26.88% TTM, and the net profit margin is healthy at 8.31% TTM. However, there is a slight decline in EBIT and EBITDA margins compared to previous years, suggesting some pressure on operational efficiency.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.47 TTM, indicating manageable leverage. The return on equity is strong at 14.22% TTM, showcasing effective use of equity. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing, which could pose risks if not managed carefully.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by 15.65% TTM, which is a concern. The operating cash flow to net income ratio is robust at 95.87%, indicating strong cash generation relative to net income. The free cash flow to net income ratio is nearly 1, showing efficient cash conversion, but the recent decline in free cash flow growth needs attention.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	13.72B	13.36B	11.52B	11.46B	15.07B	10.70B
Gross Profit	7.32B	7.07B	5.66B	7.14B	8.97B	6.80B
EBITDA	2.64B	2.69B	1.46B	2.34B	4.10B	2.17B
Net Income	1.17B	1.27B	517.00M	1.29B	2.80B	1.43B
Balance Sheet
Total Assets	106.64B	95.37B	80.61B	57.11B	60.69B	50.45B
Cash, Cash Equivalents and Short-Term Investments	32.36B	31.05B	26.56B	37.73B	36.36B	30.80B
Total Debt	4.77B	4.71B	4.28B	3.66B	3.51B	3.08B
Total Liabilities	97.30B	86.84B	73.15B	59.61B	51.23B	42.06B
Stockholders Equity	8.36B	7.75B	6.91B	6.12B	9.41B	8.35B
Cash Flow
Free Cash Flow	5.67B	6.67B	6.35B	4.22B	3.96B	1.47B
Operating Cash Flow	5.82B	6.82B	6.48B	4.36B	4.09B	1.58B
Investing Cash Flow	-9.17B	-7.86B	-9.09B	-10.52B	-7.45B	-2.33B
Financing Cash Flow	1.88B	1.76B	3.09B	4.09B	5.00B	2.10B

Fidelity National Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 58.19
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNF, the sentiment is Positive. The current price of 58.19 is above the 20-day moving average (MA) of 57.98, above the 50-day MA of 57.44, and above the 200-day MA of 58.09, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 51.68 is Neutral, neither overbought nor oversold. The STOCH value of 58.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNF.

Fidelity National Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MTG	78 Outperform	$6.35B	9.12	14.40%	1.98%	2.20%	9.90%
FAF	77 Outperform	$6.60B	13.92	9.28%	3.35%	25.99%	426.44%
FNF	74 Outperform	$15.87B	13.62	14.22%	3.43%	3.91%	55.78%
AIZ	73 Outperform	$11.09B	13.47	15.41%	1.48%	6.91%	17.60%
ESNT	73 Outperform	$6.10B	9.02	12.35%	2.00%	2.78%	-0.50%
RYAN	68 Neutral	$14.52B	431.95	11.16%	0.84%	22.77%	-34.97%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Fidelity National Financial Corporate Events

Fidelity National Financial’s Q3 Earnings: Record Revenue & Growth

Fidelity National Financial (FNF) recently held its earnings call, revealing a strong performance in the third quarter. The company reported record-breaking commercial revenue and significant growth in refinance orders, alongside a notable increase in F&G’s assets under management. Despite facing challenges such as a decline in purchase orders and a subdued office sector, the overall sentiment was positive, with highlights significantly outweighing the lowlights.

Fidelity National Financial Reports Strong Q3 2025 Results

Fidelity National Financial, Inc. (NYSE:FNF) is a prominent provider of title insurance and transaction services for the real estate and mortgage sectors, as well as insurance solutions through its subsidiary F&G Annuities & Life, Inc. (NYSE:FG). The company is recognized for its comprehensive services and significant market presence in the United States.

Fidelity National Financial Announces Special Stock Distribution

On November 6, 2025, Fidelity National Financial‘s board approved a special stock distribution of approximately 16 million shares of F&G Annuities & Life, Inc., representing about 12% of F&G’s outstanding shares. This distribution, set for December 31, 2025, will provide FNF shareholders with around six shares of F&G for every 100 shares of FNF they hold as of December 17, 2025. The distribution is structured as a taxable dividend for U.S. federal income tax purposes, and shareholders will receive cash for any fractional shares.

The most recent analyst rating on (FNF) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Fidelity National Financial stock, see the FNF Stock Forecast page.